Review of the GapCard and Gap Visa Credit Card

Brendan Harkness

Brendan Harkness | Reviews

Dec 30, 2014 | Updated Jan 02, 2019

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There are two credit cards associated with the Gap: the GapCard and the Gap Visa Credit Card.

The first can only be used at the Gap and affiliated stores, but the second can be used anywhere Visa is accepted.

Points are awarded for shopping, and special discounts and coupons are provided. Neither of these cards have an annual fee, but they both have a high APR that you’ll want to avoid.

Gap Visa
Apply Now

Gap Visa

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% (Variable)
Quick Card Facts
  • Earn 5 points for every $1 spent on the Gap and affiliated brands, both in-store and online
  • Earn 1 point for every $1 spent on all purchases
  • Earn a $5 reward every time you earn 500 points
  • Extra points offers for cardholders only
  • 20% quarterly bonus reward points at the end of each quarter for Silver status cardmembers
GapCard
Apply Now

GapCard

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 24.99% (Variable)
Quick Card Facts
  • Earn 5 points for every $1 spent on the Gap and affiliated brands, both in-store and online
  • Earn a $5 reward every time you earn 500 points
  • Extra points offers for cardholders only
  • 20% quarterly bonus reward points at the end of each quarter for Silver status cardmembers

The Rewards

With each card, 5 points are awarded for purchases made at:

  • The Gap
  • Banana Republic
  • Old Navy
  • Piperlime
  • Athleta

With the Gap Visa card only, 1 point is awarded for all other purchases (the GapCard cannot be used elsewhere).

Up to 2,000 bonus points can be earned for signing up for email and voice message alerts.

Every 1,000 points ($200 spent) will earn a $10 reward card.

The Benefits

A 15% discount will be applied to the first online purchase made with the card.

Cardholders will get advance notice of sales, and will also have access to exclusive deals. Each year, a special birthday discount will be sent.

Every Tuesday, a 10% discount is available at the Gap and at Piperlime.

By spending at least $800 annually with either card at the Gap or affiliated stores, you’ll be upgraded to Gap Silver status. This upgrade includes:

  • An exclusive toll-free customer service line
  • Free shipping on all online purchases
  • Free basic alterations at Banana Republic
  • Special opportunities like Triple Points Days

Additional authorized users can be added to the account and given their own cards to use.

The Costs & Fees

Card Regular APR Cash Advance APR Foreign Transaction Fee

GapCard

24.99% (Variable)

Not Applicable

Not Applicable

Gap Visa

24.99% (Variable)

26.99% (Variable)

3%

Card Late Fee

GapCard

Up to $35

Gap Visa

Up to $38

The Bottom Line

The Gap cards can be a good way to save money at the Gap and affiliated stores, but they should generally only be an option for you if you already shop at those stores already. Otherwise, you may be better off with a general purpose rewards card.

Learn about rewards cards and see our picks for the best ones

If you do shop at those stores somewhat regularly and could benefit from the cards, be sure to pay off your balance each month before you revolve it to next month and incur interest. The high interest rates will quickly reduce or reverse any savings you may gain in the form of points or discounts.

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